Bank of Scotland Plc

Financial Ombudsman decision DRN-3655035 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Sep 15deadline to accept (not the decision date)

The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.

What this decision was about

Irresponsible lending, Treatment in financial difficulty

In the Ombudsman’s words

Mrs D has complained that Bank of Scotland (“BOS”) trading as Halifax acted irresponsibly by agreeing an overdraft and increasing her limit.Irresponsible lending

She says BOS acted unfairly by continuing to apply charges to her account when she was in financial difficulty.Treatment in financial difficulty

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3655035.pdf on financial-ombudsman.org.uk.

The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.